Commercial Debt Collection That Gets Australian Businesses Paid Faster
Just Got Personal
How Our Commercial Debt Recovery Process Works
ACS manages your debt recovery from initial contact through to final resolution.Throughout the process, we maintain close communication and tailor strategies to suit each account.
Our clients consistently tell us they value the personalised service and the confidence of knowing their matters are handled professionally at every stage.
Where required, legal action may form part of the recovery process. However, this decision depends on the size, age, and circumstances of the debt. When litigation becomes appropriate:
- We explain all options clearly
- We provide cost estimates in advance
- We obtain written client approval before proceeding
- We coordinate matters through our panel of experienced solicitors across the Magistrate’s Court, Local Court, District Court, County Court, Supreme Court, Federal Court, High Court, VCAT, NCAT, and QCAT.
Legal costs remain the responsibility of the client and are disclosed upfront. Where recoverable, these costs may be added to the debt.
48-Hour Response Guarantee
We act on every commercial debt recovery matter within 48 hours. Our team makes first contact with the debtor quickly, setting the tone for the entire process. Speed matters when collecting overdue accounts, and delays cost your business money. Our award-winning 48-hour process consistently delivers faster results than typical collection agencies.
End-to-End Recovery Management
We handle everything. From the initial debtor contact through to follow-up calls, negotiation, field visits, skip tracing and legal escalation where required, we manage your account professionally at every stage. You receive updates throughout and maintain full visibility over the recovery process.
Our approach is balanced, being firm but fair when engaging with your debtors. This preserves your professional relationships while making sure that debtors understand the seriousness of their obligations. It is the reason leading schools and businesses across Australia continue to trust us with their outstanding receivables.
Commercial Debt Collection Across Melbourne, Sydney and Brisbane
ACS Debt Collection provides comprehensive commercial debt recovery across Melbourne, Sydney, and Brisbane, managing accounts through a highly systemised, desk-based process. We work with businesses of all sizes, from sole traders dealing with a single overdue invoice to large corporations managing extensive accounts receivable portfolios.
Our core focus is on strategic phone negotiation, automated workflows, and legal structures to secure your funds from our centralised offices, ensuring physical field deployment is kept strictly as a targeted last resort.
Under current ownership, ACS continues to operate with strict adherence to:
- Applicable State and Commonwealth legislation
- Licensing and regulatory requirements
- ASIC and ACCC Debt Collection Guidelines
All agents acting on behalf of ACS are appropriately licensed, trained, and authorised.
Industries We Support
Our commercial debt collection services cover a broad range of sectors, including:
- Small and medium businesses supplying trade credit
- Schools and education providers recovering unpaid fees
- Healthcare and allied health practices
- Utilities and essential service providers
- Banking, finance and lending organisations
- Government agencies and local councils
Whether the outstanding amount is under $1,000 or exceeds $100,000, we apply the same level of professionalism and urgency to every matter.
Tailored Recovery Strategies for Every Situation
Not every commercial debt is the same. We assess each account individually and determine the most appropriate strategy. This may include:
- Early-stage receivables management to prevent accounts becoming delinquent
- Direct debtor negotiation and structured payment arrangements
- Professional skip tracing to locate missing or uncontactable debtors. We operate in accordance with the Privacy Act and location-only inquiry standards
- Field agent assessments and recovery intelligence
- Escalation to legal action through our national network of knowledgeable legal professionals
Expert Process Serving & Corporate Documentation
When recovery demands strict escalation, our team handles professional process serving. We coordinate the serving and filing of essential legal mechanisms across Australian courts and tribunals, dealing directly with:
- Statement of Claims & Letters of Demand
- Property Notices for Repossession & Eviction
- Writs & Summonses
- Statutory Demands
- Liquidators Notices & Winding Up Applications
- Concern Notices & Cease & Desist Notices
- Subpoenas
This flexibility allows us to handle complex and aged debts that other providers often struggle to resolve.
No Collection, No Fee Commercial Debt Recovery
We believe in transparent, performance-driven pricing. To support everything from occasional outstanding invoices to high-volume corporate ledgers, we offer flexible payment options tailored directly to your cash flow:
Option 1: Standard No Collection, No Fee Model
Perfect for businesses looking to recover selective overdue commercial accounts with absolutely zero financial risk.
- Zero Upfront Costs: No retainers, no hidden administration charges, and no risk to your bottom line.
- Pure Performance Pricing: You only pay a commission percentage when we successfully recover your funds. If we don’t collect, our standard service costs you nothing. Commission rates for this standard tier are assessed and quoted upon consultation based on the age and nature of the debt.
Option 2: High-Volume Annual Subscription Tier
Designed for corporate operators, property managers, and businesses with ongoing recovery needs who want to exchange a small flat fee for locked-in, heavily discounted commission rates.
- The Subscription: A flat $495.00 per annum (inc. GST) covers unlimited debt load submissions with no exclusivity caps or hidden lock-in periods.
- The Benefit: Instantly unlocks our lowest, pre-agreed commission matrix for any debt you submit throughout the year, maximizing your return on larger ledgers.
Option 3: Private, Rental & International Specialist Tier
Tailored specifically for unique or complex recovery categories that require specialized handling, legal tracking, or cross-border management.
- Custom Scaled Rates: This tier covers person-to-person private accounts, international claims, and property or vehicle rental defaults. Commission structures are fixed or incrementally scaled based on the nature and balance size of the file to ensure compliant, dedicated recovery.
Commission Rate Matrix
|
Debt Category |
Balance Range |
Rate (+ GST) |
|
Property/Vehicle Rental Debt and International |
Any balance |
30% |
|
Private Debts (Person to Person, Person to Business) |
$100 – $5,000
$5,001 – $20,000
$20,001 – $50,000
$50,001+ |
30%
25%
20%
15% |
|
Business Debts (Standard Option 1) |
$100 to $1,000
$1,001 to $5,000
$5,001 to $20,000
$20,001 to $50,000
$50,001 and above |
30%
20%
15%
10%
8% |
|
Subscription Tier (Discounted Option 2) |
$100 to $1,000
$1,001 to $5,000
$5,001 to $20,000
$20,001 to $50,000
$50,001 and above |
25%
15%
10%
8%
5% |
We back our entire process with a 100% Service Guarantee, giving you complete confidence that we are pursuing your commercial debts with the full weight of our 30 years of experience and resources.
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ACS Debt Collection
Celebrating 29 Years
Specialising in helping businesses get their accounts PAID IN FULL
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